It's not my fault...

The second cause of our financial misfortune is our externalisation of our financial problems. Everyone else is to blame for our problems. If you’re broke, it certainly isn’t your fault...

• It’s the governments fault for making taxes so high, property prices so high and welfare so low.
• It’s the petrol companies fault for making petrol so high.
• It’s America’s fault for the drop in the stock market.
• It’s your bosses fault for not paying you enough.
• It’s your kids fault for needing new clothes all the time.
• It’s your parents fault for not leaving you a fat inheritance.
• It’s your schools fault for not teaching your financial literacy in the first place.

That’s right, it certainly couldn’t be your fault that you haven’t achieved your financial goals. And all those rich people out there just got lucky.

Grow up!

We blame everyone else for our problems so we don’t have to take responsibility for our own shortcomings. The problem with this approach is that by doing this, you are externalising the problem and fooling yourself into thinking that it cannot be fixed. The second you stop blaming everyone else for your problems; financial or otherwise, the sooner you can be in control of your own destiny.

You can either live be the effect of your financial future or you can be the cause of it.

Decide right now, which it will be.

Chris Hooper
(Shut Up and Save)